Homeowners Insurance Rhode Island

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Homeowners insurance in Rhode Island helps those who live in the Ocean State protect their homes and belongings from weather, fires or even theft. Having the right homeowners insurance can make all the difference when the unexpected happens. Since 1984, the AARP^® Homeowners Insurance Program from The Hartford¹ has been helping individuals get the coverage they need.

Types of RI Homeowners Insurance Coverages

Homeowners insurance policies from The Hartford come with many types of home insurance coverage to help protect you and your home in a variety of situations. These standard coverage options include:

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Other Types of Coverages Available

You may choose to add other coverages to your policy for extra protection. At The Hartford, we give you the option to add additional coverages, like:

Valuable items blanket to provide extra protection for certain valuables. For instance, if you have insured jewelry that gets stolen, this coverage can help cover its replacement costs.

Rental property insurance provides protection for you if you’re a landlord who rents out a unit to tenants.

Homeowners insurance policies don’t typically cover flood damage. However, you may consider buying flood insurance as a separate policy to stay protected in these situations. If your community is part of the National Flood Insurance Program (NFIP), you can get coverage.***

Is Homeowners Insurance Required in Rhode Island?

Rhode Island doesn’t require homeowners insurance by law. However, if you have a mortgage on your home, your lender may require you to have it.

What Is the Average Cost of Homeowner Insurance in Rhode Island?

According to 2024 averages, homeowners insurance in Rhode Island costs $1,476 a year, or $123 a month.² However, homeowners insurance rates vary, so you may pay more or less than this amount. Some factors that can influence how much you pay for home insurance are your:

Location
Home’s age
Replacement cost
Home’s construction materials
Coverage amounts

Save Money on Home Insurance Rhode Island

With the AARP Homeowners Insurance Program from The Hartford, you have access to many homeowners insurance discounts to help you save money. For example, you may be eligible for discounts when you:

Bundle insurance: You could save up to 12% on your auto insurance and up to 20% on your home, renters or condo insurance when you bundle.**
Install home security systems, like burglar alarms.
Pay your bill in full for the year.

Get a Quote on Homeowners Insurance in RI From The Hartford

The Hartford is a trusted insurance company backed by years of experience. Through the AARP Homeowners Insurance Program from The Hartford, you can get the home insurance coverage you need at a price that fits your budget. To learn more, get a homeowners insurance quote online or call 877-422-2345.

Other Rhode Island Links

Car Insurance in RI

Last Updated: December 17, 2024

² Bankrate, “Average homeowners insurance cost in August 2024”

*** This is an optional coverage and may not be available in all states.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.